The first, and most important, thing you need to know about the 3 credit bureaus

The credit bureaus are not goverment agencies. They are privately owned companies that make billions of dollars from selling YOUR credit report. And how they report that data is where the problem is. Read more

How your credit score is calculated

No one knows for absolute certain the exact formula that is used to calculate a score, but we have a good idea of the approximate percentages for credit events and how they are affect the final number. Read more

Is the method that you are saying on this site legal?

You will never find anything on this site that tells you to do anything that could potentially cause legal problems for you. I have personally done everything that I tell you do to, and would never jeopardize my, or my family's, well-being. Read more

How do I know if this works?

I hate testimonials...I really do. You never know if what you are reading is truthful, or just another ploy to get you to believe them. So my personal guarantee to you is that I will never edit any testimonial that a user puts on this site. So, with that said, to view what people are saying click the "read more" link below to view their statements.  Read more


Most "credit repair" websites and companies tell you that in order to clean up your credit you need to dispute things as "not mine". In fact, if you use the online dispute services that each of the credit bureaus offer, they provide you with a set list of dispute reasons. By simply using those forms you are forced to select one of those answers. You can not enter your own reason for disputing any single item. This is a HUGE problem, because the bureaus are essentially telling YOU how your have to dispute something on YOUR credit file. And, if you select one of the pre-populated results just because it "sorta matches the reason" you are effectively committing perjury which IS against the law.

The process contained on this website uses a completely different approach. You're not disputing the fact that it may (or may not) be yours. You are forcing the bureau to follow the letter of the law, and to prove that they have the right to report that item. This is the key to the whole process...proving that they do not have the right to report specific items.

You could actually use this process to have every single item (good or bad) removed from your credit report. Now, before you go and do that you need to know that what will happen is that you'll start over as if you have never established credit. You'll be back to when you first moved out on your own with absolutely no credit, good or bad. This is not the goal here. The goal is to remove the bad things and leave the good things alone.

The great part about this process is that it doesn't matter what type of bad stuff is on your credit report. Personally I removed 2 judgments from mine, and 2 paid judgments from my wife's from her previous marriage. I'm telling you, it doesn't matter what you have on your credit, it can, and will, be removed if you follow this process. The credit bureaus have no choice in the matter...they have to follow Federal Law as stated in the FCRA or they will have to pay you for damages.

Section 617(a) of the FCRA states that consumers who can prove non-compliance (keep your records straight throughout the process) can be awarded damages up to $1000 per incident. The section reads as follows:

Civil liability for willful noncompliance

(a) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of

(1) (A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or

(B) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;

(2) such amount of punitive damages as the court may allow; and

(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court.